Aapat Suraksha Bima

This Policy is designed to cover Loss of Life, Disabilities, and Income due to an Accident. Accidental Death cover is a compulsory cover; Permanent Total Disablement, Permanent Partial Disablement and Temporary Total Disablement are Optional covers available to the proposer.

Yes, if no claim has been made under the policy with us and the policy is renewed with us without any break, we will allow a cumulative bonus to the renewal policy by increasing the Sum Insured by 5%. The maximum cumulative bonus shall not exceed 50% of the Sum Insured in any policy year.

There are no deductibles under the policy except if you have opted for Temporary Total Disablement, where in there is a deductible of first week of claimed period.

This Policy applies to accidental events occurring anywhere in the world.

There is a no waiting period under this policy.

There is no pre- policy requirement in this policy. However any Pre- existing disabilities have to be declared on the Proposal Form and the case may be underwritten based on the level of disability

Tax Benefit is not applicable to Personal Accident Policies.

The documents required for processing an Accidental Death claim are as follows:

Proof of income is required only in case of Accidental Death sum insured exceeding Rs.25, 00,000/-. For Accidental Death Sum Insured of above 25 Lakhs , copy of self signed latest income proof ( Latest 3 salary slips/Form 16 / IT return ) to be provided along with the completed Proposal Form.

Sum Insured for Accidental Death Benefit/ Permanent Total Disability is limited to

There is No maximum exit age for this policy.

Anyone in the age group of 18- 65 years can buy this policy.

This policy covers only Accidental Death and hence death due to any other reason other than accident will not be covered under this policy

Even if you do not claim in policy period, you will not get any refund of premium.